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Finance Options

Please Note - Finance will only be available on selected products during selected times

We've teamed up with V12 Retail Finance to offer you a range of options for payment

Option 1: Interest-Free Credit

With this Interest-Free Credit option, you can spread the cost over 10 months at 0% APR. However, your Finance value must be over £899 (after any deposit is taken off

Please see the representative example below to see how much the finance could cost. The example is based on an average product cost.
Interest Free-Credit Representative Example:

Item Value£1000
Deposit£0.00
Duration of agreement 10 months
Representative APR0% APR
Annual Rate of interest0% 
Number of payments10
10 monthly payments of£100
Total charge for credit£0
Total amount payable£1000

 

Option 2: Interest Bearing Credit - 12, 24 or 36 Months

With this Interest Bearing Credit option, you can spread the cost over 12, 24 or 36 months. However, your Finance value must be over £599 (after any deposit is taken off). 
Please see the representative example below to see how much the finance could cost. The example is based on an average product cost.

36 Months Interest-bearing Credit Representative Example:

Item Value£999.99
Deposit£0.00
Duration of agreement36 months
Representative APR9.9%
Annual Rate of interest5.09% 
Number of payments36
36 monthly payments of£32.02
Total charge for credit£152.80
Total amount payable£1152.80


24 Months Interest-bearing Credit Representative Example:

Item Value£999.99
Deposit£0.00
Duration of agreement24 months
Representative APR9.9%
Annual Rate of interest5.08% 
Number of payments24
24 monthly payments of£45.90
Total charge for credit£101.70
Total amount payable£1101.69

12 Months Interest-bearing Credit Representative Example:

Item Value£999.99
Deposit£0.00
Duration of agreement12 months
Representative APR9.9%
Annual Rate of interest5.21% 
Number of payments12
12 monthly payments of£87.67
Total charge for credit£52.08
Total amount payable£1052.07


Please note when purchasing a bike through finance your order is dependent on the current stock when the order is processed through to our system. We cannot hold stock until the finance has been agreed. We will always do our best to fulfill your order.

Bikes from under £30 on FinnaceBikes from under £50 on FinnaceBikes from £100 on Interest Free Credit
Bikes from £150 on Interest Free Credit

Credit subject to status.
The finance is provided by V12 Retail Finance who will give you a finance decision in minutes and if accepted, you don't need to print out any documentation - it's all done electronically. There are no documentation or set up fees.
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V12 Retail Finance offer our customers the ability to apply for finance to fund purchases from Us using V12’s simple application process. Just select the products you wish to purchase and select the option to pay by finance complete your application for a quick decision. Once accepted by V12*, you will be asked to use V12 eSign facility to sign the credit agreement and We will be notified to dispatch your products.

V12 will make your agreement live and your monthly repayments will commence as detailed in your agreement.

*Subject to age & status. T&C’s and minimum spend apply. You must agree to the lender’s Terms and Conditions and electronically sign the Credit Agreement before we can dispatch the goods to you.

Eligability criteria

  • Be at least 18 years of age.
  • In permanent UK Residence – a minimum of 3 years
  • Have been a UK resident for at least 3 years
  • Have a debit or credit card in your name, registered to your address in order to cover deposit (if applicable)
  • Have a Bank or Building Society current account available (you’ll need this in order to complete direct debit instruction) or
  • Be in regular employment* including self-employment, or in a permanent residence with your spouse/partner who is in regular employment

* If you are a working student in part-time work, retired and receiving a pension or in receipt of a disability benefit, V12 Retail Finance may ask for proof of sufficient income. Finance is not available for unemployed individuals.

During the application process, you will be asked for your personal information such as name, 3-year address history, date of birth, email address, telephone contact details and employment/income information.

PLANET X LTD, 38-41 Waddington Way, Rotherham, South Yorkshire, United Kingdom, S65 3SH  (This address is not open to the public) (Company No. 06535324) act as a credit intermediary and only offers products from V12 Retail Finance.
V12 Retail Finance Limited. Registered in England and Wales 4585692. Authorised and regulated by the Financial Conduct Authority. Registration number: 679653. Registered office: One Arleston Way, Solihull, B90 4LH. Correspondence address: 20 Neptune Court, Vanguard Way, Cardiff, CF24 5PJ. V12 Retail Finance is a trading name of Secure Trust Bank PLC.

Bikes on Finance